# Spiral - Mobile Banking — user reviews > 50 indexed App Store user reviews of Spiral by Spiral Financial Inc., rated 4.77/5 from 986 ratings. - Source: https://appshunter.io/ios/app/spiral-mobile-banking/id1526316317/reviews - App overview in markdown: https://appshunter.io/ios/app/spiral-mobile-banking/id1526316317.md - Rating breakdown: 5★ 869 · 4★ 64 · 3★ 22 · 2★ 8 · 1★ 24 ## What do users think of Spiral? Overall sentiment: positive **Pros** - 👍 Easy to use - 💡 Great banking and donation features in one app - 🚀 Intuitive and user-friendly interface - 🤝 Generous donation matching - 🙌 Positive impact on the community **Cons** - 🐛 Issues with identity verification and account setup - 🤔 Unclear bonus and promotion terms - 😕 Inconsistent customer service experience **Commonly reported bugs** - App freezing and crashing during use - Delays in account setup and bonus payments **Most requested features** - Improved bonus and promotion transparency - Enhanced account management and transaction tracking - More charity and donation options ## Newest reviews (14 of 50) ### 5/5 — Innovative banking for a cause! *2021-10-26, version 1.7.1* Spiral has provided me with the option to donate to charity in terms best/easiest way possible. By banking with spiral I have been able to give back to causes I love at just the press of a button! ### 5/5 — Amazing app! *2021-10-26, version 1.7.1* Spiral is an amazing app! I love how easy it is to track my transactions and donations. The whole concept is also great - being able to give back to charities I care about all in one app and simultaneously being a banking app has been so convenient. Highly recommend! ### 5/5 — James Jones *2021-10-22, version 1.7.1* Great benefits to the world! No minimum required and great banking services! Tops all choices when comes to dealing with my money! Get it now and enjoy it! ### 5/5 — God working for you all the time *2021-09-17, version 1.6.2* I’m ecstatic about this app! Banking and donationing-This is not what I think of when I think of brick and mortar banks or financial institutions. I’m so happy about this new app! Download it! ### 5/5 — Awesome App - Easy to Donate *2021-07-02, version 1.4.4* I’m a giver who donates when something inspires me. That leaves me with donations out of multiple accounts and poor record keeping. With the Spiral app, I search for my charity, donate and within seconds my donation is on it’s way. This provides me the ability to keep all of my donations in one place. Wonderful, simplistic and easy to use. Love it! ### 5/5 — Proud to be a part of Spiral *2021-06-30, version 1.4.4* As someone who worked for a major financial institution for a decade, it is nice to be a part of a new bank that cares about its consumers and has created such a positive way to do banking and creating a community of givers. What an extremely kind establishment, so glad I joined. ### 5/5 — Great bank with a purpose *2021-06-28, version 1.4.4* Really enjoy my new bank that has all the features that I need, user friendly, and makes it easy to do good. Loving it! ### 5/5 — Banking online that makes you feels good’ *2021-06-27, version 1.4.4* If you haven’t tried this app, you are missing out. Its easy to navigate, do everything you your regular banks does and contribute and donate to a bigger better cause. Safe, secure and reliable. You must check it out!! ### 5/5 — Great 5 stars *2021-06-27, version 1.4.4* I received a wonderful call within the first few days of signing up welcoming me! What a wonderful and lovely idea to donate good! ### 5/5 — Great app *2021-06-26, version 1.4.4* Really like the app. Very easy to use 👍 ### 5/5 — Amazing App concept *2021-06-25, version 1.4.3* Very easy to use, great interface that makes you even more happy to make some donations and to contribute to any cause that is dear to you! Bravo, keep going, we need people like you, who are rethinking the banking industry to make it more generous and sustainable… ### 5/5 — amazing concept and a really cool app *2021-06-24, version 1.4.3* Love this concept! Need more of companies like this in the world. Also the app is really intuitive and easy to use. ### 5/5 — Exactly what we need! *2021-06-23, version 1.4.3* Banking that gives? Yessss please! Giving back is very important for the balance of life. So excited about Spiral. 💖 ### 5/5 — User friendly and amazing! *2021-06-23, version 1.4.3* Numbers and finances don’t make sense to me, but with this app I’m able to understand. Everything for easy banking is here. Plus the mission is an added bonus for why this app is amazing! ## Most critical reviews (10 lowest-rated) ### 1/5 — Trash app *2022-02-10, version 1.10* They actually don’t give you the $50 bonus ### 1/5 — Deceiving Bonus Peactices *2022-01-08, version 1.9* Signed up because they had a good 200 dollar bonus program going if you make direct deposits of 1,000 for two consecutive months. Come January 1st, they change the terms of the deal and make it 1,500 for two consecutive months starting at the end of the new promotion period which is January 31st. I.e the clock has restarted for people who have been making 1,000 direct deposits for a couple of payroll cycles. ### 1/5 — App doesn’t work for identity verification *2021-12-01, version 1.8* App keep looping through identity verification They should have built a functional app at least ### 1/5 — If I could leave Zero stars I would *2021-10-20, version 1.7.1* Talk about a total nightmare for a “bank” and I use the term bank very loosely when referencing Spiral. I had a personal account and then we opened one for my mom and funded it from my external bank account. They waited until the transfer was completed and the debit card arrived (cancelled already mind you) to inform us that not only would they be closing her account because it goes against their Ts & Cs to use an external account to fund the opening of a new spiral account if it’s in someone else’s name regardless if they authorized it or not. Ok fine whatever. Well then they inform me by email (now bear in mind that our spiral accounts were NOT connected in any way) that they are canceling and closing my account as well! I don’t know who came up with the business model behind this atrocity posing to be a bank but after doing some research I wouldn’t trust them with 1 cent of my money ever again. It took me filing a dispute with my external bank to force them to send back the $200 they were trying to hold hostage. NEVER AGAIN! they should be shut down and I have contacted the BBB and made them well aware of the sketchy and unethical way they are conducting business. ### 1/5 — Great concept... TERRIBLE COSTUMER SERVICE! *2021-08-03, version 1.5* They need to go to a school that teaches financial institutions what it means to be ... well, a financial institution! There customer Service is terrible , it seems like it’s everybody’s first day on the job and nobody even seems to be on the same page ! Don’t waste ur time this app will have u RUNNING back to traditional REAL BANKS ### 4/5 — ???? *2022-01-25, version 1.9* I don’t understand y I did not get the $200 dollars signed in bonus? ### 5/5 — I love it here *2022-08-19, version 1.16* No hassles use your debit card anywhere and no monthly fees No over draft I love it here been banking with them a while and it’s been great ### 5/5 — Great Bank *2022-06-07, version 1.14.1* I haven’t had a problem with them. I will prefer them to anybody ### 5/5 — Myself *2022-02-19, version 1.10.1* I myself have breast cancer and I am in Remission due to my surgery that is the reason I am choosing the male breast cancer coalition as my charity to donate to…… ### 5/5 — Great causes *2022-01-15, version 1.9* I love the causes Spiral stands for and love the ease of donating. ## Most praised reviews (6 highest-rated) ### 5/5 — Great *2022-01-07, version 1.9* Great way to help thanks ### 5/5 — Love It! *2021-12-01, version 1.8* Love this online Bank. It’s the best to have if you don’t have a real bank account!!! ### 5/5 — Wonderful company and a fun app! *2021-11-01, version 1.7.1* So glad there’s finally a company working on this, helping people donate to literally any charity they want, all from one place. I’ve donated to a couple small neighborhood community groups near me, and to a general one they suggested. The app makes it very simple. Love the confetti! Support people are very sweet. So far a very positive experience. Looking forward to new features and to getting some nice perks. Just set up direct deposit. Yay! ### 5/5 — Amazing product *2021-10-29, version 1.7.1* This app has made it so easy to bank, check my balances, and donate to my favorite charity with ease! I don’t typically review apps, but this one is so good I had to. Thank you, Spiral, for coming out with such an amazing process! ### 5/5 — Love it! *2021-10-27, version 1.7.1* Love the app! Very easy to use ### 5/5 — Great Concept! ❤️ *2021-10-27, version 1.7.1* This is an amazing product, I love how easy is to donate to different causes. It allow me to start a savings account and round up my change for charities I cara about. And the plus? The app is really intuitive and easy to use. Keep up the good work! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*